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Can You Really Find Cheap Car Insurance in California with a Speeding Ticket?

Can You Really Find Cheap Car Insurance in California with a Speeding Ticket?

If you’re looking to buy a car, it’s important to know how much car insurance costs in California and how that number might change based on the safety features of your vehicle or your driving record. 

But if you live in California and have gotten tickets in the past, you also need to make sure you can get affordable insurance coverage from one of the top companies in your area after all, no one wants to drive around with high insurance premiums every month! That said, what are the cheapest car insurance quotes for California drivers with speeding tickets? Let’s take a look at these companies and find out.

Should I get an SR22 Certificate?

If you have had your license suspended or revoked, it is required by law to get an SR22 certificate. The SR22 provides proof that you are financially capable of meeting the minimum liability insurance requirements and reduces your risk of having your license revoked again due to lack of proof. 

An SR22 certificate is often recommended for drivers who have been convicted of DUI, DWI, DWAI, reckless driving, or any other alcohol related offense. 

If you are applying for auto insurance following an at-fault car accident and do not have an SR22 certificate already on file with your current insurer, then it will be necessary to provide one before the insurer can issue coverage. For this reason, some people may want to purchase their own SR22 certificate in order to avoid delays in getting new coverage from their insurer. There are two ways to go about this: 

1) Buy a Certificate From Your Own Company – Speak with your agent about buying a certificate only policy and submit it as part of your auto insurance application. These policies typically cost around $200 per year but they do not cover anything outside of providing evidence of financial responsibility. If there was an injury or property damage during the incident, you would still need to rely on separate medical or property damage coverage. 

2) Buy a Certificate From Another Company – Obtain quotes from a number of insurers to see which company offers the best rate. Many companies offer certificates for less than $50 per month, which is comparable to what most car owners pay for collision and comprehensive coverage combined. Some insurers will even waive all enrollment fees if you sign up online!

Are there other ways to reduce my rates?

AAA NorCal offers a variety of discounts for drivers looking to save money on their car insurance. One discount that has been offered in California is the Good Student Discount. This discount is granted to students who have achieved an A or B average in high school and are enrolled in a post-secondary institution. 

In addition, if you choose not to drive during certain times, like rush hour traffic, then you can avoid paying a surcharge for driving during those hours. Low mileage drivers are also eligible for this type of discount as well as drivers who have never had an accident or who use their vehicle less than 10% of the year. These types of discounts can help make your rates much more affordable. 

If you want to learn more about the best way to reduce your rates with AAA auto insurance quotes, be sure to speak with one of our agents today! They will go over all the different ways you can save while still having access to quality coverage. 

Plus, they will walk you through what coverage options are available so you know exactly what type of protection is right for you and your family!

What other reasons should I shop around when I am looking for car insurance?: The costs of coverage vary from company to company so it is important to get a few quotes before choosing which insurer is going to provide coverage. 

Companies charge premiums based on different factors including where you live, how old you are, the amount of time it takes to insure your vehicle, any previous claims history, whether or not the driver drives a sedan versus sports utility vehicle (SUV), and many other factors too numerous to list here.

How much will my premium go up?

If you financed your car, it’s a good idea to purchase insurance from the company that financed your car. This is because they will likely offer you a better rate than what is available elsewhere. However, if you have had past financial issues or have bad credit, then there may be other options available to you. 

The reason for this has to do with how these companies make their money. They make money by lending people money to buy cars and then collecting interest on those loans. If someone defaults on their loan (meaning they stop making payments), then the lender can take back the car and sell it at an auction in order to recoup some of what was lost on that loan. 

In the event of a defaulted loan, some lenders require drivers to keep their insurance through them as well. By contrast, another type of lender called an assignee only collects payments but doesn’t lend out any money. These types of lenders are less risk-averse so they are often willing to cover drivers who are self-employed and thus don’t have any employment records, or those with a history of bankruptcy.

If you’re still not sure about which type of insurer would best suit your needs, contact us for help!

How do other companies stack up against the cheapest rate from Mercury/AAA NorCal?

The cheapest car insurance quotes for California drivers with a speeding ticket: Mercury ; AAA NorCal, $227 ; Geico, $228 ; Farmers, $284 ; State Farm , $308 ; Allstate, $319 ; Progressive, $352. That’s nearly twice as much! When you’re shopping around for car insurance, don’t forget to compare rates from several companies. 

AAA members enjoy savings on all their auto needs and services like: Cheap car insurance quotes in our hometown of San Francisco; Cheap RV rentals in Northern California; Cheap boat insurance when you’re boating on Lake Tahoe; Roadside assistance to help get your vehicle moving again after an emergency. We can even help you save money on your next purchase of new or used vehicles. Save up to 60% on your premium through these special discounts for AAA Members: Discounts include:

Final thoughts

AAA’s expertise and financial stability make them a top choice for Californian drivers. Geico, Farmers, and State Farm all offer low-cost car insurance policies that are just as reliable as AAA. However, if you’re looking for a more affordable car insurance policy then Mercury is worth considering. They were able to beat out AAA NorCal by $79 in our study of quotes. If you don’t have a speeding ticket on your driving record, Mercury could be the best option for you. 

That said, we recommend calling around to get an accurate quote from each company before committing. The cost of your premium can vary significantly depending on how many miles you drive annually, what type of vehicle you drive, and whether or not you use public transportation. 

Even though it may seem like a no-brainer to purchase automobile coverage through AAA, it pays off to do some research first!

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